Cover arranged by Meadons Insurance Brokers Ltd

Published on Wednesday, 13 November 2013 15:40 | Written by Noble Neddy Design | Hits: 4237

Privacy Policy

At Meadons Insurance Brokers Ltd we are dedicated to safeguarding and preserving your privacy when visiting our site or communicating electronically with us. This Privacy Policy, together with our terms of use, explains what happens to any personal data that you provide to us, or that we collect from you when you are on this site. We do update this Policy from time to time so please do return and review this Policy regularly.

Information We Collect In operating our website we may collect and process the following data about you:

- Details of your visits to our website and the resources that you access, including, but not limited to, traffic data, location data, weblogs and other communication data.

- Information that you provide by filling in forms on our website, such as when you registered for information or make a purchase.

- Information provided to us when you communicate with us for any reason.

Use of Cookies We may on occasion gather information regarding your computer whilst you are on our website. This enables us to improve our services and to provide statistical information regarding the use of our website to our advertisers where appropriate. Such information will not identify you personally it is statistical data about our visitors and their use of our site. This statistical data does not identify any personal details whatsoever. Similarly to the above, we may gather information about your general internet use by using a cookie file. Where used, these cookies are downloaded to your computer automatically. This cookie file is stored on the hard drive of your computer as cookies contain information that is transferred to your computer's hard drive. They help us to improve our website and the service that we provide to you. All computers have the ability to decline cookies. This can be done by activating the setting on your browser which enables you to decline the cookies. Please note that should you choose to decline cookies, you may be unable to access particular parts of our website. Our advertisers may also use cookies, over which we have no control. Such cookies (if used) would be downloaded once you click on advertisements on our website. Use of Your Information The information that we collect and store relating to you is primarily used to enable us to provide our services to you. In addition, we may use the information for the following purposes:

- To provide you with information requested from us, relating to our products or services. To provide information on other products which we feel may be of interest to you, where you have consented to receive such information.

- To meet our contractual commitments to you.

- To notify you about any changes to our website, such as improvements or service/product changes, that may affect our service.

If you are an existing customer, we may contact you with information about goods and services similar to those which were the subject of a previous sale to you.

Further, we may use your data, or permit selected third parties to use your data, so that you can be provided with information about unrelated goods and services which we consider may be of interest to you. We or they may contact you about these goods and services by any of the methods that you consented at the time your information was collected. If you are a new customer, we will only contact you or allow third parties to contact you only when you have provided consent and only by those means you provided consent for. If you do not want us to use your data for our or third parties you will have the opportunity to withhold your consent to this when you provide your details to us on the form on which we collect your data.

Please be advised that we do not reveal information about identifiable individuals to our advertisers but we may, on occasion, provide them with aggregate statistical information about our visitors. Storing Your Personal Data We may transfer data that we collect from you to locations outside of the European Economic Area for processing and storing. Also, it may be processed by staff operating outside the European Economic Area who work for us or for one of our suppliers. For example, such staff maybe engaged in the processing and concluding of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all reasonable steps to make sure that your data is treated securely and in agreement with this Privacy Policy.

Data that is provided to us is stored on our secure servers. Details relating to any transactions entered into on our site will be encrypted to ensure its safety.

The transmission of information via the internet is not completely secure and therefore we cannot guarantee the security of data sent to us electronically and transmission of such data is therefore entirely at your own risk. Where we have given you (or where you have chosen) a password so that you can access certain parts of our site, you are responsible for keeping this password confidential. Disclosing Your Information Where applicable, we may disclose your personal information to any member of our group. This includes, where applicable, our subsidiaries, our holding company and its other subsidiaries (if any). We may also disclose your personal information to third parties:

- Where we sell any or all of our business and/or our assets to a third party.

- Where we are legally required to disclose your information.

- To assist fraud protection and minimise credit risk.

Third Party Links You mind find links to third party websites on our website. These websites should have their own privacy policies which you should check. We do not accept any responsibility or liability for their policies whatsoever as we have no control over them. Access To Information The Data Protection Act 1998 gives you the right to access the information that we hold about you. Please note that any demand for access may be subject to payment of a fee of £10 which covers our costs in providing you with the information requested. Should you wish to receive details that we hold about you please contact us using the contact details below. Contacting Us We welcome any queries, comments or requests you may have regarding this Privacy Policy, so please do not hesitate to contact us at the link above.

Terms & Conditions for www.owzat-insure.co.uk

These terms and conditions govern your use of our website. Please read the terms in full before you use this Website. If you do not accept these terms, please do not use this Website. Using the Website implies that you accept these terms. We do occasionally update these terms so please refer back to them in the future.

1. SITE ACCESS 1.1 You will be able to access the majority of this Website without having to register any details with us. [However, particular areas of this Website will only be accessible only if you have registered.]

2. USE OF WEBSITE 2.1 You are permitted to use our website for your own purposes and to print and download material from this Website provided that you do not modify any content without our consent. Material on this website must not be republished online or offline without our permission. 2.2 The copyright and other intellectual property rights in all material on this Website are owned by us or our licensors and must not be reproduced without our prior consent. 2.3 Subject to paragraph 2.1, no part of this Website may be reproduced without our prior written permission.

3. SITE UPTIME 3.1 We take all reasonable steps to ensure that this Website is available 24 hours every day, 365 days per year. However, websites do sometimes encounter downtime due to server and, other technical issues. Therefore we will not be liable if this website is unavailable at any time. 3.2 This Website may be temporarily unavailable due to issues such as system failure, maintenance or repair or for reasons beyond our control. Where possible we will try to give our visitors advance warning of maintenance issues but shall not be obliged to do so.

4. VISITOR CONDUCT 4.1 With the exception of personally identifiable information, the use of which is covered under our Privacy Policy above, any material you send or post to this Website shall be considered non-proprietary and not confidential. Unless you advise to the contrary we will be free to copy, disclose, distribute, incorporate and otherwise use such material for any and all purposes. 4.2 When using this website you shall not post or send to or from this Website any material:(a) for which you have not obtained all necessary consents; (b) that is discriminatory, obscene, pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be deemed a criminal offence, give rise to a civil liability, or otherwise is contrary to the law in the United Kingdom; (c) which is harmful in nature including, and without limitation, computer viruses, Trojan horses, corrupted data, or other potentially harmful software or data. 4.3 We will fully co-operate with any law enforcement authorities or court order requiring us to disclose the identity or other details of any person posting material to this website in breach of Paragraph 4.2.

5. LINKS TO AND FROM OTHER WEBSITES 5.1 Any links to third party websites located on this Website are provided for your convenience only. We have not reviewed each third party website and have no responsibility for such third party websites or their content. We do not endorse the third party websites or make representations about them or any material contained in them. If you choose to access a third party website linked to from this Website, it is at your own risk. 5.2 If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, any page on this Website, and subject to the following conditions: (a) you do not in any way imply that we are endorsing any services or products unless this has been specifically agreed with us; (b) you do not misrepresent your relationship with us or present any false information about us; (c) you do not link from a website that is not owned by you; and (d) your website does not contain content that is offensive, controversial, infringes any intellectual property rights or other rights of any other person or does not comply in any way with the law in the United Kingdom. 5.3 If you choose to link to our website in breach of Paragraph 5.2 you shall fully indemnify us for any loss or damage suffered as a result of your actions.

6. DISCLAIMER 6.1 We take all reasonable steps to ensure that the information on this Website is correct. However, we do not guarantee the correctness or completeness of material on this Website. We may make changes to the material on this Website at any time and without notice. The material on this Website may be out of date, or on rare occasions incorrect and we make no commitment to ensure that such material is correct or up to date. 6.2 The material at this Website is provided without any conditions or warranties of any kind. To the maximum extent permitted by law, we provide access and use of this website on the basis that we exclude all representations, warranties and conditions which but for these Terms may have effect in relation to this Website.

7. EXCLUSION OF LIABILITY 7.1 Neither we nor any other party (whether or not involved in producing, maintaining or delivering this Website), shall be liability or responsible for any kind of loss or damage that may result to you or a third party as a result of your or their use of our website. This exclusion shall include servicing or repair costs and, without limitation, any other direct, indirect or consequential loss, and whether in tort or contract or otherwise in connection with this Website. 7.2 Nothing in these Terms shall exclude or limit liability for (i) death or personal injury caused by negligence (as defined by the Unfair Contract Terms Act 1977); (ii) fraud; (iii) misrepresentation as to a fundamental matter; or (iv) any liability which cannot be excluded or limited under the law of the United Kingdom.

8. GOVERNING JURISDICTION This Legal Notice shall be governed by and construed in accordance with English law. Any dispute(s) arising in connection with this Legal Notice are subject to the exclusive jurisdiction of England and Wales.

Please describe fully, all sporting activities carried out at the club:

General Questions/Club Activities

1. Has the club held any insurances which have subsequently been declined, terminated, subjected to special terms or refused insurance?

Yes

No

2. Had any losses whether insured or not or had any claims made against you or your club or are aware of any circumstances/ incidents which might give rise to a claim against you or your club in the last 5 years?

Yes

No

3. Is your club in use all year round (i.e. outside cricket season)? During periods of unoccupancy you will be expected to inspect the premises at least every 14 days?

Yes

No

4. Is Hot Food prepared on the premises?

Yes

No

If YES, is Deep Fat Frying Equipment Used?

Yes

No

6. Is there any entertainment provided at the premises? If YES, please confirm the type and how often, below.

Yes

No

7. Do you operate a Licenced bar?

Yes

No

8. Is the clubhouse hired out for Social Functions (e.g. Weddings, Disco’s)? If YES, please state approximate number per year, below

Yes

No

If you answer ‘Yes’ to any of the above questions, please supply additional information in the box below:

ASSET PROTECTION AND THEFT

Tick if cover required:

Yes

Are the building and ground(s) which you occupy:

(a) In good state of repair?

Yes

No

If No, please give details:

(b)Built of brick, stone or concrete and roofed with slate, tile, concrete, metal or asbestos?

Yes

No

If No, please give details.

(c) Does the roof of your premises include more than 25% felt on timber?

Yes

No

If ‘yes’ please state approximate percentage %

(d) Are the buildings and grounds in an area affected by flooding or at risk of flooding?

Yes

No

If YES, please give details.

(e) in your sole occupation?

Yes

No

If NO, please give details.

(f) Does the security of the Premises comply with the minimum protections? (See Minimum Security Conditions at end of proposal form for details)

Our standard Limits of Indemnity are stated below. Please advise if increased limits are required. Cover is included for loss of trading profit for up to 12 months from the date of damage at your premises which causes business interruption, provided we accepted a claim for such damage under the Contents or Buildings Sections of the policy.

The ARAG Commercial Legal Protection policy offers comprehensive cover in all the main areas where legal disputes may arise including the following:

> Employment Disputes and Compensation Awards

> Statutory Licence Protection

> Contract disputes

> Property Protection

> Bodily Injury

> Tax Protection

> Attendance Expenses

> 24 hour helpline services and much more.

Commercial Legal Expenses - Cover Required?

YES

LIMIT PROVIDED: £100,000

Has there been any legal dispute, action, prosecution, customs and excise or Inland Revenue investigations during the last five years?

YES

NO

If Yes, Please provided more details:

Has your club merged or been taken over or bought another company or organization within the last two years, or are you proposing to merge, take over or be taken over within the next twelve months?

YES

NO

If Yes, Please provided details:

To the best of your knowledge and belief are any redundancies envisaged within the next 12 months?

YES

NO

If Yes, Please provided more details:.

OTHER REQUIREMENTS

Other Requirements - Cover Required?

YES

SUBSIDENCE

Damage at the Premises caused by Subsidence or ground heave of the site of the Property Insured or Landslip. Subsidence Cover is available for a premium charge. Do you require further details of this cover and a quotation?

YES

NO

TERRORISM

Please note that in addition to its other terms, conditions, exceptions or exclusions, the policy wording may incorporate provisions which exclude or limit loss, damage or liability caused by acts of Terrorism, and the terms of any quotation should be read as having been adjusted accordingly

Full details are available on request. Additional terrorism insurance cover is available for a premium charge. Do you require further details of this cover and a quotation?

YES

NO

DIRECTORS & OFFICERS INDEMNITY

Do you require further details of this cover and a quotation? If so please provide the Club’ s estimated annual turnover and limit of indemnity required .

YES

NO

Turnover (£)

Limit of Indemity:

£100,000

£250,000

£500,000

£1,000,000

If you have any further cover requirements which are not catered for elsewhere in this Proposal Form please give details below or on a separate sheet:

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If You Have a Complaint

We hope that you will be happy with the service that we provide. However, if for any reason you are unhappy with it, we would like to hear from you. In the first instance, please write to your Insurance Adviser or us at:

Meadons Insurance Brokers Limited, 1

1 Cheshire Street, Market

Drayton, Shropshire,

TF9 1PD

Telephone us on: 01630 658455.

Meadons Insurance Brokers Limited and Aviva are covered by the Financial Ombudsman Service for complaints from private individuals, certain small businesses, charities and trusts. If you have complained to us and we have been unable to resolve your complaint, you may be entitled to refer it to this independent body. Following the complaints procedure does not affect your right to takelegal action.

Further details of our complaints procedure can be found in our policy booklet.

Telephone Call Recording

For our joint protection telephone calls may be recorded and/or monitored.

Choice of Law

The appropriate law as set out below will apply unless you and the insurer agree otherwise:

1.The law applying in that part of the UK, Channel Islands or Isle of Man in which you normally live or (if applicable) the first named policyholder normally lives; or

2. In the case of a business, the law applying in that part of the UK, Channel Islands or Isle of Man where it has its principal place of business; or

3. Should neither of the above be applicable, the law of England and Wales will apply.

Data Protection Act - Information Uses

For the purposes of the Data ProtectionAct 1998, the Data Controller in relation to any personal data you supply is Meadons Insurance Brokers Limited and Aviva Insurance Limited.

Insurance Administration

Information you supply may be used for the purposes of insurance administration by the insurer , its associated companies and agents, by reinsurers and your intermediary . It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing the insurer's compliance with any regulatory rules/codes.Your information may also be used for offering renewal, research and statistical purposes and crime prevention. It may be transferred to any country, including countries outside the European Economic Area for any of these purposes and for systems administration. In assessing any claims made, the insurer or its agents may undertake checks against publicly available information (such as electoral roll, county court judgments, bankruptcy orders or repossessions). Information may also be shared with other insurers either directly or via those acting for the insurer (such as loss adjusters or investigators). In the case of personal data, with limited exceptions, and on payment of the appropriate fee, you have the right to access and if necessary rectify information held about you.

Credit Searches and Accounting

In assessing your application, the insurer may search files made available to it by credit reference

agencies who may keep a record of that search. The insurer may also pass to credit reference agencies information it holds about you and your payment record. Credit reference agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors to prevent fraud.

The insurer may ask credit reference agencies to provide credit scoring computation. Credit scoring uses a number of factors to work out risks involved in any application.

A score is given to each factor and a total score obtained. Where automatic credit scoring computations are used by the insurer , acceptance or rejection of your application will not only depend on the results of the credit scoring process.

Sanctions’ Search

All firms carrying out any sort of financial transaction or providing advice on any such transaction need to comply with two legislative instruments, namely - Statutory instrument and/or EC regulation – this applies to us as Insurance Brokers.

With this in mind, please note we will do a sanction search on behalf of the club and nominated

official, as per the proposal, with the Sanction List, issued by Her Majesty’s Treasury.

Sensitive Data

In order to assess the terms of the insurance contract or administer claims which may arise, the insurer may need to collect data which the Data Protection Act defines as sensitive (such as medical history or criminal convictions).

By proceeding with this application you will signify your consent to such information being processed by the insurer or its agents.

Marketing

Aviva group and its agents may use your information to keep you informed by post, telephone, e- mail or other means about products and services which may be of interest to you.

Your information may also be disclosed and used for these purposes after your policy has lapsed. If you do not wish your information to be used for these purposes please write to:

Aviva, FREEPOST,

Mailing Exclusion Team,

PO Box 6412,

Derby DE1 1SB.

Fraud Prevention and Detection

In order to prevent and detect fraud we may at any time:

• Share Information about you with other organisations and public bodies including the police;

• Undertake credit searches and additional fraud searches;

• Check and/or file your details with fraud prevention agencies and databases, and if you give us

false information or inaccurate information and we suspect fraud, we will record this.

We can supply on request further details of the database we access or contribute to.

We and other organisations may also search theses agencies and databases to:

• Help make decisions about the provision and administration of insurance, credit and related

• Check your identity to prevent money laundering, unless you furnish us with other satisfactory

proof of identity.

Claims History

Under the conditions of your policy you must tell us about any Insurance related incidents (such as fire, water damage, theft or an accident) whether or not they give rise to a claim. When you tell us about an incident we will pass information relating to it a database.

We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal to validate your claims history or that of any other person or property likely to involved in the policy or claim.

You should show these notices to anyone who has an interest in the insurance under the policy

State any other material facts here. All material facts must be disclosed. Failure to do so could invalidate the policy . A material fact is one which is likely to influence an insurer in the acceptance and assessment of this application. If you are in any doubt as to whether a fact is material then it should be disclosed to the insurer . If any changes in circumstances arise during the period of insurance cover please provide your insurer with details.

Declaration

I/We understand that the contents of this completed application and I/we declare that the

information given is, to the best of my/out knowledge and belief correct and complete.

I/We agree that the statements in this application shall form the basis of the contract between the

insurer and myself/ourselves and if the risk is accepted I/we undertake to pay the premium when

called upon to do so.

I/We understand that my/our information may also be disclosed to the

Financial Conduct Authority and other regulatory bodies for the purpose of monitoring and/or

enforcing the insurer's compliance with any regulatory rules/codes.

By ticking this box I confirm that I fully understand and agree with this declaration. *

I Understand

Name:

First

Last

Position:

Date:

CLUB MINIMUM SECURITY

CONDITION - Please read

Minimum Security Condition in the Policy states:

If in relation to any claim for Damage to the Property Insured caused by theft or attempted theft at The Premises, which occurs more than 30 days after the inception of this policy, You have failed to fulfil any of the following conditions, You will lose Your right to indemnity or payment for that claim. If in relation to any claim for Damage to the Property Insured at The Premises, which occurs more than 30 days after the inception of this policy, You have failed to fulfil any of the following conditions, You will lose Your right to indemnity or payment for that claim. You must ensure that in respect of all those parts of The Premises occupied by You in connection with The Business (1) all hinged single leaf doors used as final exit doors are secured as follows (a) timber framed doors - by a lock certified as meeting BS3621 and which if it is a mortice lock has a corresponding boxed striking plate. (b) aluminium framed doors by a five pin cylinder mortice swing lock.

(c) plastic framed doors by a multi-point lock assembly certified as meeting PAS 3621 or a multi-point fastening device comprising at least three moving fastening points operated by a central handle secured by a five pin cylinder lock. (d) steel doors by the means shown in (1) (a) or (c) above or by a five pin cylinder mortice lock. (2) all hinged double leaf doors used as final exit doors are secured as follows (a) first closing leaf (timber framed doors) by having, at the top and bottom of the leaf, rebate bolts or internal key operated mortice rack bolts or key operated lockable bolts. (b) first closing leaf (aluminium framed doors) by having, at the top and bottom of the leaf, rebate bolts or internal key operated lockable bolts. (c) first closing leaf (plastic framed doors) by having a multi-point lock assembly certified as meeting PAS 3621 or a multi-point fastening device comprising at least two moving bolts operated by a central handle secured by a five pin cylinder lock or, at the top and bottom of the leaf, rebate bolts or internal key operated lockable bolts. (d) first closing leaf (steel doors) by the means shown in (2) (c) above.(e)final closing leaf by the means shown in (1) (a), (b), (c) or (d) above. (3) all hinged external cellar trap doors are secured as follows (a) single leaf doors - by an internal, centrally positioned, steel padlock bar secured by a padlock having a hardened steel shackle or, at the top and bottom of the door, internal key operated lockable bolts. (b) double leaf doors by having each leaf fastened to the other by an internal, centrally positioned, steel padlock bar secured by a padlock having a hardened steel shackle. (4) all other hinged external doors and any internal doors which lead into areas of The Premises not occupied by You, or into any common areas including stairwells or walkways, or into any adjoining premises, are secured as follows; (a) single leaf doors by the means shown in (1) (a), (b), (c) or (d) above or by having, at the top and bottom of the door , internal key operated lockable bolts or key operated mortice rack bolts. (b) double leaf doors by the first closing leaf being secured by the means shown in (2) (a), (b), (c) or (d) above and the final closing leaf being secured as in (2) (e) above or having, at the top and bottom of the leaf, internal key operated lockable bolts or key operated mortice rack bolts. (5) all external rolling shutter or rolling panel doors, including any which lead into areas of The Premises not occupied by You or into any common areas including stairwells or walkways, or into any adjoining premises, are secured as follows (a) manually operated doors by having the operating chain secured into an internal chain stop, housing or wall bracket by means of a padlock having a hardened steel shackle. (b) electrically operated doors by having an internal operating switch secured in the off position by means of an integral lock or padlock. Alternatively , such doors are to have the power supply to the operating switch isolated at a suitable electrical power distribution board. (c) where (5) (a) or (b) above cannot be satisfied such doors are to be secured by having the door secured to one of the side runners by means of an internal key operated lockable bolt or a padlock having a hardened steel shackle. (d) any personnel (wicket) gate incorporated into such doors is to be secured by having an internal, centrally positioned, steel padlock bar secured by a padlock having a hardened steel shackle or, at the top and bottom of the door, by internal key operated lockable bolts. (e) such doors, or any personnel (wicket) gate incorporated into them, are not to be used as a final exit door unless notified to Us and then secured by the means subsequently stipulated or agreed by Us in writing. (6) all external opening windows on basement and ground floors, any opening windows which lead into areas of The Premises not occupied by You or into any common areas including stairways or walkways, or into adjoining premises, and any external opening windows on upper floors which can be reached by a person standing on adjacent or adjoining external structural features including stairways, communal walkways, lower storey roofs, porches, balconies, or similar external structural features which can readily be climbed onto; are secured in their closed position as follows (a) any roof lights by an integral or internal fastening device designed and manufactured for the task (b) any louvre windows by internal or external steel bars or grilles. (c) all other windows by an integral lockable fastening device or an internal key operated window lock. Alternatively such windows are to be secured by means of at least two internal screws of sufficient length to pass through the windows surround and penetrate the window frame to a depth of at least 10mm. (7) doors to Marine Cargo Containers, Sheds, Attached or Detached Garages or Storage Areas are secured by a closed shackle padlock having a hardened steel shackle. (8) any type of door

, lock or fastening device that is not mentioned above is notified to Us and then secured by the means subsequently stipulated or agreed by Us in writing. (9) motorised plant/equipment not secured within a Marine Cargo Container is secured (a) by either being secured to each other by means of cable locks or padlocks and chains, or by being secured to part of the building structure e.g. a wall or floor anchor point by means of a padlock and chain. (10) all locks or fastenings are positioned and fitted (including striking plates, escutcheons, cylinder roses or other door furniture) in accordance with the manufacturers instructions or in a conventional manner. (11) all the aforementioned locks and fastenings are put into full and effective operation and any keys to them removed from the site or stored within The Premises in a secure place, that is one which is not within sight or reach of any external glazing, letter flap or other opening, whenever those parts of The Premises occupied by You in connection with The Business are unattended. Any door or window that is designated, and appropriately signed, as being for use solely as an emergency fire exit by the person(s) legally responsible under fire safety legislation for fire safety at The Premises, is excluded from requirements (1) (6) above.

However, any such door or window must be secured by an integral or internal fastening device designed and

Owzat Insure is a trading name of Meadons Insurance Brokers Limited, which is a registered company in England and Wales number 5035657 and is authorised and regulated by the Financial Conduct Authority - regulation number 305537. Registered Office: DPC Chartered Accountants, Vernon Road, Stoke-on-Trent, Staffordshire, ST4 2QY